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<blockquote data-quote="Rick at FMS" data-source="post: 1727675" data-attributes="member: 50533"><p>I am not aware of any insurance policy that actually covers "off-road" accidents. It pretty much like here, it won't cover a race, etc. It's basically like buying temporary insurance in your own country, they are insuring you on pavement but they know that a lot of roads in Baja could be dirt too. If you hit someone on the road or they even hit you and the local authorities find that you have no insurance, that is illegal and they could throw you in jail. I have always purchased mine from bajabound.com </p><p></p><p>Last time I went in 2019 for 9 days and it was around $315, looking at it now, it's about $100 more. But I upped the coverages to the max and covered it to $90k. You also need to take into consideration that it covers:</p><p>Total Theft</p><p>Vandalism</p><p>Liability 500k</p><p>Medical 100k</p><p>Legal Assistance / Bond</p><p>Towing</p><p>Rental Car</p><p>Your Truck is taken to USA for repairs, not fixed in Mexico</p><p>Airfare home</p><p>Air Emergency Transport - To a USA Hospital, this is huge!</p><p>Hotel Stay</p></blockquote><p></p>
[QUOTE="Rick at FMS, post: 1727675, member: 50533"] I am not aware of any insurance policy that actually covers "off-road" accidents. It pretty much like here, it won't cover a race, etc. It's basically like buying temporary insurance in your own country, they are insuring you on pavement but they know that a lot of roads in Baja could be dirt too. If you hit someone on the road or they even hit you and the local authorities find that you have no insurance, that is illegal and they could throw you in jail. I have always purchased mine from bajabound.com Last time I went in 2019 for 9 days and it was around $315, looking at it now, it's about $100 more. But I upped the coverages to the max and covered it to $90k. You also need to take into consideration that it covers: Total Theft Vandalism Liability 500k Medical 100k Legal Assistance / Bond Towing Rental Car Your Truck is taken to USA for repairs, not fixed in Mexico Airfare home Air Emergency Transport - To a USA Hospital, this is huge! Hotel Stay [/QUOTE]
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